USDA VS FHA in Dakota-Ridge, Jefferson County, CO

In the year 2026, the USDA loan limit for Dakota-Ridge, situated in Jefferson county, CO, is $477,400. Meanwhile, the FHA limit is set at $596,850 for a single-family home.

Employ the Lendersa® USDA loan calculator to evaluate the best current rates of USDA versus FHA loans. This tool helps identify the necessary income, credit level, reserves, and required documents for qualification. Our comprehensive mortgage calculator allows you to view side-by-side comparisons of USDA, FHA, Conforming, and VA programs, assisting you in selecting the most suitable financial program for your needs in .

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2026 Loan Limits and Down Payment Requirements in Dakota-Ridge, Jefferson County, CO

Loan Type Loan Limit Down Payment
USDA $477,400 0%
FHA $596,850 3.5%
Conventional Conforming $596,850 3%

Exploring USDA and FHA Loan Choices in Dakota-Ridge, CO

Lendersa® aims to deliver the most favorable USDA or FHA loans efficiently and smoothly, without any hassle. Start your journey by choosing one of the three options that connect you to matching lenders and USDA programs.

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An Overview of USDA Loans in CO

A USDA home loan, backed by the Government's Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is only accessible in rural communities. Distinct from FHA loans that demand a 3.5% minimum down payment, USDA mortgage loans have no down payment requirement.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Northwest Adventist Federal Credit Union
  • 10333 Southeast Main Street, Portland, OR, 97216
  • Northwest Adventist Federal Credit Union was founded in 1962. Our eligible field of membership includes any current member of a Seventh-day Adventist church in Oregon, Washington, Idaho, Montana & Alaska, as well as employees of Adventist Medical Center. Immediate relatives to an existing member of the credit union are also eligible for membership.

  • IBEW and United Workers Federal Credit Union
  • 9955 SE Washington Street, Portland, OR, 97216
  • The idea to form a Credit Union was initiated in 1954 at an IBEW Local 48 union meeting by member Chester Craig. Chester was a member of another Credit Union at the time, but believed that members in the electrical trade would benefit by having their own Credit Union as well. IBEW and United Workers FCU Providing convenient, best value products.

  • Horizon Bank
  • 502 Franklin St, Michigan City, IN, 46360
  • Horizon is a community Bank serving northern and central Indiana, and southern, central and the Great Lakes Bay regions of Michigan. Our focus is to anticipate and fulfill customer needs with exceptional service and sensible advice. This philosophy is what has kept us growing stronger than ever since 1873

  • Cascade Home Loans
  • 16508 Southeast 24th Street, Suite 102, Vancouver, WA, 98683
  • Cascade Home Loans Helping others to buy, sell and finance real estate is what drives us and dealing with the challenges along the way. Today there is no shortage of challenges and we believe the constant changes are what keep us excited about this industry. Sure, it would nice if everything was easier but hard things tend to be the better.

  • ADAIR FINANCIAL SERVICE LLC
  • 1311 SE Cardinal Ct, Suite 100, Vancouver, WA, 98683
  • Adair financial service is the best home loan program for your future is more than a job description, it’s our commitment. We pride ourselves in exceptional service and innovative products—and strive to ensure that all of our customers are treated with respect, courtesy and professionalism.

  • Oregonians Credit Union
  • 6915 SE Lake Rd, Milwaukie, OR, 97267
  • We offer many of the same banking products and services as big banks, like checking and savings accounts, mortgages and car loans; but we offer a better way to bank. If you're not receiving great service from your bank, we hope you'll vote with your feet and bank with us instead.

  • Regional Medical Center EFCU
  • 200 Clinic Drive, Madisonville, KY, 42431
  • RMC Employees Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the RMC Employees Federal Credit Union will continue a sound yet progressive asset management strategy

  • First United Bank and Trust Company
  • 162 North Main Street, Madisonville, KY, 42431
  • First United Bank and Trust Company is a real community bank, formed in 1996 to fill a need for traditional, personal banking in the area. Today, even though we’ve grown, our roots remain in community banking. Our focus is to support the communities we serve with the best possible products and services.

  • Franklin Financial Group
  • 329 North Main Street, Madisonville, KY, 42431
  • Working together, we have a common focus – a personal interest in meeting all your investment, insurance, financial planning, and retirement needs as they change throughout your lifetime. When you are a client of Franklin Financial Group, our goal is treat you like one of the family.

  • Boonville Federal Savings Bank
  • 123 N Third Street, Boonville, IN, 47601
  • Boonville Federal Savings Bank is a full-service, independent bank providing financial products & services of various types. Beginning in 1917, Boonville Federal has provided personal services to the citizens of Warrick County and the surrounding area for 102 years.This bank offers: on-line banking, checking, savings, certificates of deposits etc..

  • U-Mortgage
  • 201 NE Park Plaza Dr, Suite 135, Vancouver, WA, 98684
  • Our mission is to serve our clients with honesty, integrity and competence. Our goal is to not only provide home loans, but to educate our clients so they have a complete understanding on how the loan itself works. It is our belief that the more you know and understand how your loan operates.

  • Lloyd White, Jr
  • 13115 NE 4th Street, Suite 160, Vancouver, WA, 98684
  • Summit Mortgage Corporation - NMLS 3236, NMLS Access https://nmlsconsumeraccess.org/, is a Portland-based direct lender licensed in Oregon, Washington, California, and Idaho. We've been embedded in the Pacific Northwest since 1997. We like to consider ourselves locals and pride ourselves in doing so.